TOWN & COUNTRY FEDERAL CREDIT UNION
TOWN & COUNTRY FEDERAL CREDIT UNION received 937 applications in 2025 and made 648 mortgages, in 16 counties across 2 states. The median rate its borrowers got was 7.240% on a median loan of $105,000. Of 861 decisions, 161 were denials — 18.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BKCQISE9PR4J88 |
|---|---|
| Applications received | 937 |
| Mortgages made | 648 |
| Denied | 161 |
| Approved, not taken up | 52 |
| Withdrawn or incomplete | 76 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.81 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 88 | 7.000% | $280,000 | 10.4% |
| Refinancing | 14 | 7.245% | $85,000 | 10.0% |
| Cash-out refinancing | 191 | 7.240% | $115,000 | 16.3% |
| Other purposes | 355 | 7.250% | $65,000 | 22.2% |
Where TOWN & COUNTRY FEDERAL CREDIT UNION lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cumberland County, ME | 394 | 7.250% | 18.2% |
| York County, ME | 187 | 7.240% | 19.5% |
| Androscoggin County, ME | 25 | 7.125% | 10.0% |
| Knox County, ME | 9 | Under 10 loans | 9.1% |
| Kennebec County, ME | 7 | Under 10 loans | 36.4% |
| Oxford County, ME | 7 | Under 10 loans | 30.8% |
| Sagadahoc County, ME | 7 | Under 10 loans | 20.0% |
| Waldo County, ME | 3 | Under 10 loans | 0.0% |
| Penobscot County, ME | 2 | Under 10 loans | 0.0% |
| Piscataquis County, ME | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Franklin County, ME | 1 | Under 10 loans | 0.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Lincoln County, ME | 1 | Under 10 loans | 0.0% |
| Somerset County, ME | 1 | Under 10 loans | 66.7% |
| Strafford County, NH | 0 | Under 10 loans | 100.0% |
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When TOWN & COUNTRY FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.